Monthly Money Checkup
As a Zemaa Neguy Premium Member, you don’t just get advice—you get ready-to-use tools that make each step of your financial checkup easier, faster, and more effective.
Here’s your upgraded Monthly Money Checkup, with downloads and templates at each stage.
The Checkup Steps:
Step 1 — Review Your Spending
Why it matters: Small leaks sink big ships. Even tiny, unnoticed expenses can eat away at your wealth over time.
Action for Paid Members:
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Use the Monthly Budget Template (Excel or PDF) with auto-categorization and charts to spot problem areas fast.
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Pre-loaded categories for food, bills, subscriptions, transportation, and personal spending.
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Built-in “Red Flag” calculations automatically highlights negative values, also known as overspending.
Step 2 — Assess Your Net Worth
Why it matters: Every month, you should re-check your assets and your debt to ensure you’re still on track with your finances.
Action for Paid Members:
Use the Personal Net Worth Calculator — an interactive spreadsheet that calculates your net worth automatically based on your assets and debt.
- List your assets: Enter the current value of everything you own — including cash, savings accounts, investments, property, vehicles, and valuable personal items.
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List your debts: Input all outstanding debts — such as credit cards, loans, mortgages, and any other liabilities.
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Review your net worth: The calculator will automatically subtract your total debts from your total assets to show your net worth.
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Analyze changes: Compare this month’s net worth with previous months to track your financial progress. Look for increases as signs of growth or decreases as signals to adjust your plan.
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Update regularly: Set a monthly reminder to update your net worth — consistency helps you make informed decisions and stay motivated.
- Download: Personal Net Worth Calculator [Excel] [PDF]🔒
Step 3 — Check Your Emergency Fund
Why it matters: Your financial safety net needs to be healthy enough to handle surprises.
Action for Paid Members:
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Analyze TOTAL ACTUAL COST field in the Monthly Budget Template from Step 1 above to know how much you need for 3, 6, or 12 months of expenses.
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Review your savings to ensure you are on track to have the amount needed.
Pro Tip for Paid Members: Keep all your templates in a single Monthly Money Checkup Folder on your device so you can run this process in under 90 minutes every 3 months.